The impact of financial technology on MSME performance in indonesia: a study using the technology acceptance model

This research is based on the Technology Admission Model (TAM) investigates how financial technology (known as FinTech) affects ‎MSMEs in Indonesia. The research seeks to explore how detected availability and ease of use of financial technology. They have a great ‎influence on the activity of these MSMEs. It is a quantitative approach that uses questionnaires to survey 240 owners of MSMEs from ‎different sectors operating in Indonesia. Next, A structural equation model was applied for the evaluation of hypotheses stated here. Both ‎characteristics have been found to significantly boost the performance of their respective industries and companies, thus confirming that if ‎FinTech is adopted; it can enhance operational efficiency and enhance financial outcomes for firms. In light of these findings, policymakers ‎and other stakeholders should encourage the adoption of FinTech among MSMEs to ensure economic growth and resilience during the ‎digital age. This paper provides empirical evidence from developing countries on how FinTech enhances performance in SMEs, thereby ‎adding value to the existing literature‎.